The EMV Experience: Focus on Prepaid

The tide turned sharply this year for the U.S. payments card industry’s EMV migration, changing from a holding pattern to serious action plans. When U.S. payments networks in 2012 announced EMV liability shifts going into effect in October 2015 – to encourage chip card adoption – many issuers and merchants were circumspect about their plans.

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Insights

The payments industry is changing at a rapid rate. Financial institutions are challenged by economic, regulatory uncertainty and an increasingly sophisticated consumers; they must take a new approach to grow their card programs in the competitive marketplace.